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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $108,110 | $61,390+76.1% | $112,228-3.7% | $75,177+43.8% |
| Participation rate | 64.3% | 61.6%+2.6pp | 72.4%-8.1pp | 67.2%-2.9pp |
| Annual return | 11.39% | 28.47%-17.1pp | 30.23%-18.8pp | 160.75%-149.4pp |
| Employer contribution / active EE | $1,132 | $2,015-43.8% | $3,432-67.0% | $2,671-57.6% |
| Participant deferral / active EE | $4,913 | $3,108+58.1% | $4,800+2.4% | $4,126+19.1% |
| Admin fee / account holder | $1,093 | $4,862-77.5% | $7,752-85.9% | $5,651-80.7% |